Summary
Overview
Work History
Education
Certification
Timeline
Generic

Margaret N. Joseph

East Brunswick,NJ

Summary

Expertise in insurance products and customer service, with a strong ability to analyze documentation and facilitate communication between stakeholders. Skilled in addressing routine and complex issues effectively while promoting new products. Consistently meets sales objectives through proactive problem-solving and customer engagement.

Overview

15
15
years of professional experience
1
1
Certification

Work History

Licensed Insurance Agent

Self-employeed
East Brunswick, New Jersey
11.2024 - Current
  • Assist clients in selecting appropriate health, life, annuities, and final expense insurance coverage options.
  • Conduct thorough policy reviews to ensure compliance and accuracy.
  • Educate clients on policy benefits and claims processes effectively.
  • Developed and maintained strong client relationships through regular communication.
  • Resolve client inquiries and issues with prompt, professional service.
  • Conduct customer needs assessments to identify appropriate coverage levels and options.
  • Ensure compliance with all federal, state, and local laws and regulations regarding insurance practices.

Relationship Renewal Consultant

Automatic Data Processing Insurance Agency, Inc. (ADPIA)
Florham Park, NJ
01.2023 - 07.2024
  • Cultivated strong relationships with midsize and large employers to support strategic initiatives.
  • Managed day-to-day account operations, addressing claims, coverage inquiries, enrollments, and renewals.
  • Achieved 94% client retention by collaborating with internal and external resources to resolve issues.
  • Established provider, broker, and carrier partnerships aligned with company objectives.
  • Served as a subject matter expert on health and benefit programs and vendor services.
  • Conducted client visits to address service concerns, including open enrollment meetings.
  • Mentored junior team members and trained new employees in best practices.
  • Provided clients with updates on current state and federal regulatory changes.

Account Manager

Savoy Associates, Inc.
Florham Park, NJ
09.2020 - 07.2021
  • Managed daily Medicare inquiries, including quoting and enrollment processes for clients and brokers.
  • Served as subject matter expert for Medicare carrier products, communicating insights to stakeholders.
  • Monitored industry trends to identify opportunities and challenges related to carriers and regulations.
  • Researched and resolved discrepancies in enrollment using carrier data reports and records.
  • Identified educational opportunities for members and brokers to optimize resource utilization.
  • Directed clients on effective use of available resources, enhancing overall engagement.
  • Provided timely support for brokers handling prospects and existing client inquiries.
  • Analyzed product updates and technology changes to inform internal strategies.

MarketPoint Medicare Sales Representative

Humana Inc.
Paramus, NJ
08.2018 - 09.2020
  • Coordinated on-site sales presentations for qualified Medicare participants at homes and senior centers, enhancing enrollment rates.
  • Initiated sales opportunities with seniors to promote individual health plan policies.
  • Qualified prospective clients on-site and closed sales when feasible; referred unclosed leads to inside sales for follow-up.
  • Assisted Medicare participants in completing online or paper enrollments for government programs and subsidies.
  • Researched data reports within New Jersey to identify potential enrollment needs.
  • Identified education opportunities to maximize resource utilization and guided clients on resource access.

Admitting Registrar - Per Diem

JFK Medical Center/Hackensack Meridian
Edison, New Jersey
10.2014 - 09.2018
  • Conducted face-to-face interviews with patients and families to gather demographic and billing information.
  • Executed emergency room and outpatient registrations, including satellite emergency room and imaging center.
  • Verified insurance information for all incoming patients to ensure coverage accuracy.
  • Maintained patient registration applications to uphold accurate medical records and facilitate timely reimbursement.
  • Participated in departmental initiatives focused on performance improvement and patient satisfaction compliance.
  • Ensured adherence to established policies and procedures along with state and federal regulations.

Account Consultant II – Customer Relationship

Horizon Blue Cross Blue Shield of New Jersey
Newark, NJ
06.2015 - 08.2018
  • Managed conservation efforts for existing accounts to enhance retention and member enrollment.
  • Coordinated and promoted Horizon-BCBSNJ’s wellness products, ensuring successful events for all market segments.
  • Educated employer groups through interactive presentations and enrollment meetings, fostering positive relationships.
  • Facilitated timely implementation of new groups and conversions, resolving inter-departmental issues effectively.
  • Liaised between Horizon-BCBSNJ, group administrators, brokers, and vendors to optimize process flow.
  • Maintained stakeholder relationships, keeping internal and external clients informed of progress and issues.
  • Analyzed data to recommend cost-saving changes, integrating medical management programs.
  • Planned and negotiated contract terms with existing and new accounts.

Promotions Data Analyst/ Horizon Wellness

Horizon Blue Cross Blue Shield of New Jersey
Newark, NJ
03.2013 - 06.2015
  • Coordinated promotion and subject matter expertise on Horizon-BCBSNJ wellness products across account managers, brokers, vendors, and member groups.
  • Managed projects through formal project life cycle to ensure timely delivery of all required deliverables.
  • Assisted in development and promotion of health and wellness services to comply with Horizon’s quality standards.
  • Provided feedback on new health and wellness products within Product Development and other enterprise areas.
  • Facilitated research to refine existing products and evaluate potential new offerings, utilizing internal and external resources.
  • Tracked data to compile reports for operational use while recommending improvements to project management processes.

Administrative Assistant II/Data Coordinator

Horizon Blue Cross Blue Shield of New Jersey
Newark, NJ
06.2010 - 03.2013
  • Managed executive and regulatory complaints, appeals, and calendar scheduling.
  • Screened emails, mail, and phone calls to prioritize communications efficiently.
  • Coordinated meetings and provided timely background information to enhance decision-making.
  • Delivered administrative support that improved productivity for department managers and supervisors.
  • Maintained budget and accruals for five departments within the division.
  • Acted as liaison for outside vendors and internal departments to facilitate collaboration.
  • Informed staff on compliance standards through comprehensive classroom training.
  • Reviewed complaints and appeals summaries, providing recommendations for process improvements.

Education

MBA - Health Administration/ Management

St. Peter's University
Jersey City, NJ

BBA - Marketing

Briarcliffe College
NY

Certification

NJ Life and Health Insurance Producer License, 10 states

Timeline

Licensed Insurance Agent

Self-employeed
11.2024 - Current

Relationship Renewal Consultant

Automatic Data Processing Insurance Agency, Inc. (ADPIA)
01.2023 - 07.2024

Account Manager

Savoy Associates, Inc.
09.2020 - 07.2021

MarketPoint Medicare Sales Representative

Humana Inc.
08.2018 - 09.2020

Account Consultant II – Customer Relationship

Horizon Blue Cross Blue Shield of New Jersey
06.2015 - 08.2018

Admitting Registrar - Per Diem

JFK Medical Center/Hackensack Meridian
10.2014 - 09.2018

Promotions Data Analyst/ Horizon Wellness

Horizon Blue Cross Blue Shield of New Jersey
03.2013 - 06.2015

Administrative Assistant II/Data Coordinator

Horizon Blue Cross Blue Shield of New Jersey
06.2010 - 03.2013

MBA - Health Administration/ Management

St. Peter's University

BBA - Marketing

Briarcliffe College

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Margaret N. Joseph